MoneyMatrix
Retirement & Long-Term Planning

Build a retirement plan around the money you can actually control

Employer contributions, tax-advantaged accounts and long-term savings can all influence your retirement picture. MoneyMatrix brings these pieces together with practical planning information and straightforward projection tools.

Explore the Projection Compare Account Types
Long-Term View

Savings trajectory

TIME
NOW YEARS AHEAD

Longer time horizons can give contributions more opportunity to compound, but investment results will vary.

Retirement Accounts

Start with the accounts available to you

The right retirement strategy often starts with understanding the tax treatment, contribution rules and employer benefits attached to each account.

Traditional 401(k)

Employer-sponsored retirement savings that can allow pre-tax contributions and may include an employer matching contribution.

EMPLOYER PLAN

Roth IRA

An individual retirement account funded with after-tax dollars, with qualified withdrawals generally receiving tax-free treatment.

INDIVIDUAL ACCOUNT

Health Savings Account

For eligible individuals, an HSA can provide tax advantages for qualified medical expenses and may have a role in longer-term financial planning.

ELIGIBILITY REQUIRED
Workplace Benefits

Capture the retirement benefits available through work

Employer matching can increase the amount directed toward retirement without requiring the same amount from your paycheck. The details vary by plan, so the important number is the match formula attached to your specific workplace account.

Review

Match Formula

Understand how much your employer contributes and what contribution level captures the available match.

Check

Vesting Rules

Some employer contributions may be subject to a vesting schedule. Review your plan documents for the applicable rules.

Couple reviewing long-term retirement and financial planning documents
Planning Tool

See how your savings could grow over time

Adjust the starting balance, annual contribution, expected return and time horizon to see how different assumptions affect a potential future balance.

The calculation uses a fixed annual return and annual contributions. It does not predict actual market performance.

Potential Future Balance
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ESTIMATE
Contributions
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Estimated Growth
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A longer investment horizon can give contributions more time to compound. The actual outcome will depend on investment performance, fees, taxes, contribution timing and other factors.

Retirement planning documents and financial records on a desk
Current-Year Considerations

Keep your retirement strategy aligned with current rules

Contribution limits, eligibility rules and catch-up provisions can change from year to year. Before increasing contributions, review the current limits and account rules that apply to your situation.

01

Check your workplace plan

Review employer matching, vesting and plan-specific contribution rules.

02

Review individual account eligibility

Income limits, tax rules and account eligibility can affect which options are available.

03

Verify current limits

Confirm current-year limits with the IRS, your plan administrator or account provider.

Ask a question about your plan
Next Planning Step

Make the next retirement decision with better information

Retirement planning is rarely about finding one perfect number. It is about understanding your available accounts, contribution opportunities, time horizon and the assumptions behind your plan.

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